The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$42,020
−HK$2,635/mo
▼ 0.25% · 3.875%
HK$43,327
−HK$1,328/mo
Today · 4.125%
HK$44,655
baseline
▲ 0.50% · 4.625%
HK$47,372
+HK$2,717/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$89,310/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$691,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,746
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$48,000
−HK$1,272/mo
Today · 4.125%
HK$49,272
baseline
▲ 0.50% · 4.625%
HK$51,869
+HK$2,597/mo
Deposit HK$9.21M · loan HK$9.21M · min. income ≈ HK$98,544/mo (50% DSR)
Upfront cash ≈ HK$9.90M (deposit + AVD stamp duty HK$691,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,423
−HK$3,162/mo
▼ 0.25% · 3.875%
HK$51,992
−HK$1,593/mo
Today · 4.125%
HK$53,585
baseline
▲ 0.50% · 4.625%
HK$56,846
+HK$3,261/mo
Deposit HK$7.37M · loan HK$11.06M · min. income ≈ HK$107,170/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$691,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,096
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$57,600
−HK$1,526/mo
Today · 4.125%
HK$59,126
baseline
▲ 0.50% · 4.625%
HK$62,243
+HK$3,117/mo
Deposit HK$7.37M · loan HK$11.06M · min. income ≈ HK$118,252/mo (50% DSR)
Upfront cash ≈ HK$8.06M (deposit + AVD stamp duty HK$691,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,827
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$60,657
−HK$1,859/mo
Today · 4.125%
HK$62,516
baseline
▲ 0.50% · 4.625%
HK$66,320
+HK$3,804/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$125,032/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,445
−HK$3,536/mo
▼ 0.25% · 3.875%
HK$67,200
−HK$1,781/mo
Today · 4.125%
HK$68,981
baseline
▲ 0.50% · 4.625%
HK$72,617
+HK$3,636/mo
Deposit HK$5.53M · loan HK$12.90M · min. income ≈ HK$137,962/mo (50% DSR)
Upfront cash ≈ HK$6.22M (deposit + AVD stamp duty HK$691,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,635
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$77,988
−HK$2,390/mo
Today · 4.125%
HK$80,378
baseline
▲ 0.50% · 4.625%
HK$85,269
+HK$4,891/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$160,756/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$691,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,143
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$86,400
−HK$2,289/mo
Today · 4.125%
HK$88,689
baseline
▲ 0.50% · 4.625%
HK$93,364
+HK$4,675/mo
Deposit HK$1.84M · loan HK$16.58M · min. income ≈ HK$177,378/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$691,033 · Scale 2, in force from 26 Feb 2026)